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All Journal Journal Informatic, Education and Management (JIEM) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK)
Tri Sulistiawati
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Analisis Persepsi Risiko Dalam Layanan Digital Banking Di Indonesia: Tantangan Dan Solusi Tri Sulistiawati; Deri Yansyah; Nova Yanti Maleha
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 4 No. 1 (2025): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jebmak.v4i1.1123

Abstract

Perkembangan layanan digital banking di Indonesia mengalami peningkatan pesat seiring dengan pertumbuhan teknologi dan digitalisasi sektor keuangan. Namun, adopsi layanan ini masih menghadapi hambatan yang cukup signifikan, terutama terkait persepsi risiko dari pengguna. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi persepsi risiko pengguna dalam menggunakan layanan digital banking, serta mengidentifikasi tantangan dan solusi yang relevan untuk meningkatkan kepercayaan masyarakat. Melalui metode deskriptif kualitatif berbasis studi pustaka, penelitian ini menemukan bahwa risiko keamanan (security risk) menjadi bentuk kekhawatiran utama yang berpengaruh terhadap persepsi pengguna, terutama terkait praktik penipuan dan penyalahgunaan data pribadi. Persepsi risiko yang tinggi dapat menghambat keputusan nasabah dalam memanfaatkan layanan digital perbankan. Oleh karena itu, diperlukan strategi mitigasi risiko yang efektif, termasuk peningkatan sistem keamanan, penguatan regulasi, serta edukasi digital kepada masyarakat. Hasil penelitian ini memberikan rekomendasi penting bagi industri perbankan dan pemangku kebijakan untuk membangun kepercayaan serta memperluas inklusi layanan keuangan digital di Indonesia.
Optimizing Asset Allocation in Investment Portfolios in Primary Consumer Sector Companies for the 2020-2022 Period Devi Suci Lastari; James Marshall Sitinjak; Tri Sulistiawati; Alvito Auliansyah; Gusganda Suria Manda
Journal Informatic, Education and Management (JIEM) Vol 8 No 1 (2026): FEBRUARY (CALL FOR PAPERS)
Publisher : STMIK Indonesia Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61992/jiem.v8i1.225

Abstract

This study aims to determine the optimal portfolio composition for primary consumer sector stocks in Indonesia during the 2020–2022 period, a time marked by high market volatility due to the COVID-19 pandemic. The analysis focuses on two stocks: PT Sumber Alfaria Trijaya Tbk. (AMRT) and PT Indoritel Makmur Internasional Tbk. (DNET). Using a quantitative descriptive–explanatory approach, the research includes the calculation of returns, variance, covariance, correlation, portfolio formation with the Markowitz Model and Single Index Model, as well as performance evaluation using the Sharpe Ratio, Treynor Ratio, and Jensen’s Alpha. The results show that AMRT offers higher average returns but with greater volatility, while DNET provides more stable returns with lower risk. The negative correlation between the two stocks (-0.319) enables effective diversification. The minimum-risk portfolio is obtained with a composition of 13% AMRT and 87% DNET, achieving a risk level of 10.68%, which is lower than the risk of each individual asset. Meanwhile, the best-performing portfolio based on the Sharpe Ratio is achieved with a composition of 30% AMRT and 70% DNET, offering optimal efficiency between return and risk. These findings reinforce the relevance of Modern Portfolio Theory in the Indonesian market context and provide strategic recommendations for investors to optimize asset allocation through measurable diversification.
Co-Authors Alvito Auliansyah Deri Yansyah Devi Suci Lastari Gusganda Suria Manda James Marshall Sitinjak Nova Yanti Maleha